ESL Credit Cards

Find the right fit for your wallet.

Whether you're looking to earn more from your purchases or keep spending simple, ESL has a credit card that’s built for you.

Benefits both cards offer:

  • 0% Intro APR for 12 months1
  • No balance transfer fees2 and no annual fees2 ever
  • A smart way to consolidate high-interest rate credit card balances
  • Account access anytime, anywhere with ESL Mobile and Online Banking
  • Potential to grow your ESL Owners’ Dividend3 with every purchase and your average monthly outstanding balances

ESL Visa® Credit Card

Consolidate your balances and simplify your finances with one lower monthly payment.

  • 0% Intro APR for 12 months1 on purchases and balance transfers
  • Low ongoing rates from 12.00%-17.99% APR1
  • Credit lines from $500-$25,000
  • Easily transfer your balances online

ESL Visa Credit Card Rates and Terms

ESL Rewards Visa Signature® Credit Card

Turn everyday spending into lasting value with rewards points that never expire.

  • Earn 20,000 bonus rewards points when you spend $1,000 in the first 90 days4
  • Earn points on what matters most:
    • 3 points per $1 on Dining
    • 2 points per $1 on Gas, Groceries, and Travel
    • 1 point per $1 on everything else
  • 0% Intro APR for 12 months1 on purchases and balance transfers
  • Ongoing rates from 15.00%-17.99%1
  • Credit lines from $5,000-$25,000
  • Points never expire

ESL Rewards Visa Signature Credit Card Rates and Terms

 

Rates accurate as of

1: 0% Introductory APR available to new accounts only. Rates subject to credit evaluation. Annual Percentage Rate (APR) is variable and may increase. Introductory rate of 0.00% is fixed for 12 billing cycles from account open date. After that, ESL Visa Credit Card Prime Rate + 5.00% up to Prime Rate + 14.24%, and ESL Rewards Visa Signature Credit Card Prime Rate + 8.00% up to Prime Rate + 14.24% to determine the purchase and balance transfer rates. Maximum APR is 17.99%. As of [current prime rate date], the Prime Rate was [current prime rate].

2: Cash advance and foreign transaction fees may apply.

3: Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of a dividend is not guaranteed.

4: New accounts receive 20,000 Bonus Rewards Points by making $1,000 in qualified purchases (less returns) within the first 90 days from account open date. Cash advances and balance transfers are not eligible.

VISA is a registered trademark of Visa International Service Association and used under license. ESL is an equal opportunity lender.